Lenders › Waukesha State Bank › Wisconsin
Waukesha State Bank in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Waukesha State Bank's 2024 HMDA record for Wisconsin covers 889 applications, 712 of them originated, worth $228m.
Its denial rate in the state was 9.0%, below the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 8.9%.
The median rate spread on its Wisconsin originations was 0.2 percentage points (state median 0.2).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Waukesha State Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.0% | 17.1% | 8.9% | 24.3% |
| Median rate spread, pp | 0.2 | 0.2 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.1% | 11.0% | 8.0% | 15.6% |
| Average originated loan | $320k | $223k | $320k | $329k |
| Home purchase share | 46.6% | 46.3% | 46.7% | 57.0% |
| FHA-insured share | 1.0% | 5.6% | 1.0% | 13.4% |
| VA-guaranteed share | 0.6% | 4.3% | 0.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 47% (332)Home improvement 17% (119)Refinancing 24% (171)Cash-out refinancing 3% (21)Other purpose 10% (69)
By type
Conventional 98% (701)FHA 1% (7)VA 1% (4)
Denial reasons as coded
Share of 74 denials in Wisconsin by first denial reason coded (outlined bar: all lenders in the state).
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Waukesha County | 582 | 471 | $141m | 9.2% |
| Milwaukee County | 132 | 99 | $32m | 13.4% |
| Washington County | 45 | 40 | $12m | 0.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Waukesha State Bank originate in Wisconsin in 2024?
712 loans totalling $228m, from 889 applications reported for properties in Wisconsin.
What is Waukesha State Bank's denial rate in Wisconsin?
9.0% of decided applications in Wisconsin were denied, against 17.1% for all lenders in the state and 8.9% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Wisconsin counties does Waukesha State Bank lend in most?
By originations: Waukesha County (471), Milwaukee County (99), Washington County (40).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Wisconsin. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.